What on my homeowners insurance policy? 

Homeowners insurance has different parts and optional coverages. Here is a rule of thumb and a list of perils that are typically covered under your homeowners policy.


Rule of thumb:

  • If it happened sudden and accidental it is typically covered. If it happened over time it is typically not covered.


These perils are typically covered under your homeowners policy. 

  • Part A Dwelling Coverage
    • Fire and Lighting
    • Windstorm or Hail
    • Explosion
    • Riot or Civil Commotion
    • Aircraft
    • Vehicles
    • Smoke
    • Vandalism or Malicious Mischief
    • Falling Objects
    • Weight of ice, Snow or Sleet
    • Accidental Discharge or Overflow of Water or Steam
    • Sudden and Accidental Tearing apart, cracking, burning or bulging.
    • Freezing
    • Breakage of glass or safety glazing material.






  

Homeowners Insurance Idaho   

Builders Risk Insurance Policies/Course of Construction Insurance Policies


When building a home in Pocatello you will need a policy that is called Course of Construction Insurance Policy or also referred to Builders Risk Insurance Policy. Builder Risks Policies cover the loose materials sitting out in the open and also covers the material that been added to the structure of your new home. From our experience some policies are better that others, some policies have specified limits on material out in the open for example $15,000 and others don't have a limit. If the wind decides to pick up or someone decided to help them self to your material you are certainly going to want to have a good policy.


If you haven't found a home builder in Pocatello we would recommend Justin Downs. We know Justin Downs personally and know he does a great job. 


TD Building Concepts LLC

333 Briscoe Rd

Chubbuck, ID 83202



 



Guzman insurance agents are licensed in the state of Idaho. We offer auto insurance, homeowners insurance, life insurance, flood insurance and business insurance. We represent the following insurance companies, although the list may very depending on our current company appointments. We offer Met Life Homeowners Insurance Idaho, Safeco Homeowners Insurance Idaho, Progressive Insurance Idaho, Travelers Insurance Idaho, The Hartford Homeowners Insurance Idaho, Foremost Homeowners Insurance Idaho, United Heritage Homeowners Insurance Idaho, Kemper Homeowners Insurance Idaho, Unitrin Insurance Idaho, Dairy Land Insurance Idaho, Viking Insurance Idaho, Sublimity Homeowners Insurance Idaho, Farmers Alliance Homeowners Insurance Idaho, Gem State Homeowners Insurance Idaho, Ameritas Insurance Idaho, Pacific Life Insurance Idaho, Insure Cat Insurance Idaho, NCIP Idaho, The National Flood Insurance Program Idaho, FEMA  and The  Idaho State Insurance Fund.


If we don't have a solution that makes sense we can recommend other great local offices that may have an option. We would recommend Allstate Insurance, American Family Insurance, Farm Bureau Insurance, Farmers Insurance, Nationwide Insurance, Auto Owners Insurance, Geico Insurance. 


Local Servicing Zip Codes are Pocatello Idaho Homeowners Insurance 83201,Chubbuck Idaho Homeowners Insurance 83202, Pocatello Idaho Homeowners Insurance 83204, Blackfoot Idaho Homeowners Insurance 83221, Pocatello Idaho Homeowners Insurance 83209, Ucon Idaho Homeowners Insurance 83401, Idaho Falls Idaho Homeowners Insurance 83402, Ammon Idaho Homeowners Insurance 83404,Inkom Idaho Homeowners Insurance 83245,Fort Hall Homeowners Insurance 83203, American Falls Idaho Homeowners 83211. This web page may not be completely up to date.